Burbank City Credit Union

Burbank City Credit Union is headquartered in Burbank and is the 102^nd largest credit union in the state of California. It is also the 766^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 50 employees and 15,532 members. Burbank City Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics BURBANK CITY NCUA # 3943 BankRate Report View Year Chartered 1940 Employees 50 Primary Regulator Assets and Liabilities Assets $238.05 million Loans $148.03 million Deposits $214.74 million Equity Capital $22.35 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $158,000 Historic Data - December 2010 Assets $230.52 million Equity Capital $22.67 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $3.94 million Profit Margin - Quarterly Net Interest Margin 5.19% Return on Assets 0.21% Return on Equity 2.2% Interest Income $9.20 million Non-Interest Income $1.77 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Burbank City Credit Union had $2.95 million in non-current loans and owned real-estate with $24.42 million in equity and loan loss allowances on hand to cover it. This gives Burbank City Credit Union a Texas Ratio of 12.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Burbank City Credit Union decreased slightly from 15.53% as of December 31, 2010 to 12.06% as of December 31, 2011, resulting in a positive change of 22.35%.This indicates that the balance sheet and financial strength for Burbank City Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Burbank City Credit Union has increased its total deposits by $7.32 million, resulting in 3.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Burbank City Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Burbank City Credit Union has $238.05 million in assets with $24.42 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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